Payment flow route

Pay.'s payment process.

The Pay. payment process is set up in such a way that the payout to our clients is always guaranteed. This is made possible by the fact that the funds are paid out via Stichting Pay.nl.

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A payment guarantee.

Before you receive the funds, the funds always make a short stopover at Stichting Pay.nl first. This ensures that your consumer can always pay safely online. By the time you receive the funds, the funds have passed through a number of stages on their route.


Step 1

Starting point.

The journey of the funds starts with the consumer. This is the starting point of the payment flow route. The consumer decides to buy a product or service via a webshop or website. The consumer then wants to pay for the product or service. The website offers a choice between different payment methods. The payment method chosen by the consumer determines the route of the funds. Some payment solutions we facilitate reach Stichting Pay.nl via a slight detour. The most popular bank payment solutions follow the shortest route. An example of this is the payment method iDEAL. In this example we describe this route step by step.


Step 2

The bank hub.

The consumer has selected the payment method iDEAL for completion of the payment via the webshop or website. The consumer then selects the bank for making the payment. The bank receives the consumer's order to complete the payment and sends the money to its next destination.


Step 3

Stopover at Stichting.

After the consumer has instructed the bank to make the payment, the money is sent from the bank to Stichting Pay.nl. The money is held here until the time it can be transferred to the merchant. Stichting Pay.nl manages a third-parties’ account where all payments are received. For this reason it must meet the strict regulations of the Dutch Central Bank.


Step 4

Final destination.

You, the final destination in this route, can indicate when you wish to receive the paid funds. Pay. can forward the funds every working day, week or month. If you do not indicate a term, funds are automatically transferred weekly. This is how the funds reach the final destination of the payment flow route.


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